小步稳行，收获大回报

从今天开始规划，迈向更美好的未来。

储蓄的力量:

试想一下：生活一切顺利，所有事情都在掌控之中。然而，突如其来的意外开支——无论是医疗紧急情况、汽车维修，还是突然失去收入来源——都可能让人措手不及，甚至带来沉重压力。

但当你拥有一笔财务储备时，便能获得更多安全感、灵活性，以及从容面对未来的信心。

储蓄不仅仅是为了应对突发状况，更是为了打造你所向往的未来。无论是购置房产、规划孩子的教育基金，还是享受更安心的退休生活，持续累积财富，即使从小额开始，也能随着时间带来可观的成果。

把储蓄想象成播下一颗种子。通过耐心积累和定期投入，它会逐渐成长为有价值的财富，为你带来财务稳定与更多机遇。关键在于尽早开始，即使金额不大。随着时间推移，持续投入所带来的复利效应，将帮助你逐步迈向财务自由。

实现财富增长的方式有很多种。其中一种方式，是通过定期投资股票和共同基金（单位信托），运用复利效应与平均成本法，在长期投资过程中逐步累积财富，同时降低市场波动带来的影响。

立即参与RSP

什么是定期定额储蓄计划

定期定额储蓄计划 (RSP)是一种纪律性投资方式，让你定期以固定金额投资于股票或共同基金（单位信托）。

通过RSP，你将自动采用平均成本法 (DCA): 价格低时买入更多份额，价格高时买入较少份额。这有助于平滑市场波动，降低一次性投入时面临市场波动的影响。

RSP不仅是储蓄工具，更让你享受复利增长的优势。通过再投资股息并长期持有，你的资金有望实现长期增长潜力，比传统储蓄更有效地帮助你实现财务安全与财富积累。

从小处着手，坚持不懈，让时间与复利为你创造财富！

平均成本法

通过每月持续投入固定金额，平均成本法让你无论市场价格如何波动，都能持续进行投资。价格较低时买入更多单位，价格较高时买入较少单位。

月份投资金额每单位价格购入单位数/td>
1$100$3.4926
2$100$3.5926
3$100$3.4726
4$100$3.4327
5$100$3.3827
合计$500$3.47132

为何选择RSP？

投资全球股票、ETF及单位信托

涵盖美股、港股及新加坡市场多个股票，以及逾500只基金

低成本

股票管理费低至每月$1，单位信托0%费用，调整投资无需额外费用

便捷付款

通过GIRO从银行账户自动扣款，轻松无忧

为孩子规划未来

开设青少年计划，为孩子的未来提前规划

无锁定期

随时选择终止RSP并出售持仓，灵活自主

寻找适合你的计划

定期投资计划 积股计划
( [可开设青少年积股计划 ) 		单位信托定期定额储蓄计划
可投资标的所有美股、港股及新加坡股票 逾60只股票（
(可查看标的列表)		逾500只基金
扣款频率每日、每周、每月或每季每月每月或每季
投资日期–每月18日（如遇非交易日，顺延至下一个交易日）每月7日（如遇非交易日，顺延至下一个交易日）
最低投资额$100$100$100
付款方式 从POEMS账户扣款，点击这里为账户充值GIROGIRO
账户类型按现行经纪佣金收费 按投资组合总值（TPV）每年收取0.3%，最低每月S$10%销售费用
TPV < S$40,000上限每月S$8.88
TPV ≥ S$40,000上限每月S$5.88
可为子女开户–是–
可使用CPF/SRS––是
计划详情了解更多SBP
Junior SBP		了解更多
设立定期投资计划 报名SBP
报名JSBP 		报名UTRSP

还未开户?

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已有账户?

探索适合你的计划。

你希望为谁投资？

本人
子女

你计划使用哪种资金来源投资？

现金
返回

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报名UTRSP 设立定期投资计划 报名SBP 报名JSBP

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常见问题

IMPORTANT INFORMATION

This material is provided by Phillip Capital Management (S) Ltd (“PCM”) for general information only and does not constitute a recommendation, an offer to sell, or a solicitation of any offer to invest in any of the exchange-traded fund (“ETF”) or the unit trust (“Products”) mentioned herein. It does not have any regard to your specific investment objectives, financial situation and any of your particular needs. You should read the Prospectus and the accompanying Product Highlights Sheet (“PHS”) for key features, key risks and other important information of the Products and obtain advice from a financial adviser (“FA“) pursuant to a separate engagement before making a commitment to invest in the Products. In the event that you choose not to obtain advice from a FA, you should assess whether the Products are suitable for you before proceeding to invest. A copy of the Prospectus and PHS are available from PCM, any of its Participating Dealers (“PDs“) for the ETF, or any of its authorised distributors for the unit trust managed by PCM.  

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Where applicable, fund(s) may invest in financial derivatives and/or participate in securities lending and repurchase transactions for the purpose of hedging and/or efficient portfolio management, subject to the relevant regulatory requirements. PCM reserves the discretion to determine if currency exposure should be hedged actively, passively or not at all, in the best interest of the Products.  

The regular dividend distributions, out of either income and/or capital, are not guaranteed and subject to PCM’s discretion. Past payout yields and payments do not represent future payout yields and payments. Such dividend distributions will reduce the available capital for reinvestment and may result in an immediate decrease in the net asset value (“NAV”) of the Products. Please refer to <www.phillipfunds.com> for more information in relation to the dividend distributions.  

The information provided herein may be obtained or compiled from public and/or third party sources that PCM has no reason to believe are unreliable. Any opinion or view herein is an expression of belief of the individual author or the indicated source (as applicable) only. PCM makes no representation or warranty that such information is accurate, complete, verified or should be relied upon as such. The information does not constitute, and should not be used as a substitute for tax, legal or investment advice.  

The information herein are not for any person in any jurisdiction or country where such distribution or availability for use would contravene any applicable law or regulation or would subject PCM to any registration or licensing requirement in such jurisdiction or country. The Products is not offered to U.S. Persons. PhillipCapital Group of Companies, including PCM, their affiliates and/or their officers, directors and/or employees may own or have positions in the Products. Any member of the PhillipCapital Group of Companies may have acted upon or used the information, analyses and opinions herein before they have been published. 

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Phillip Capital Management (S) Ltd (Co. Reg. No. 199905233W)  
250 North Bridge Road #06-00, Raffles City Tower ,Singapore 179101 
Tel: (65) 6230 8133 Fax: (65) 65383066 www.phillipfunds.com